XYZ is deciding among 3 loans that would each involve her receiving $8,000 today and then paying back the original principal and all accrued interest in 1 year from today. Loan A has an APR of 16.40%, compounded annually. Loan B has an APR of 15.60%, compounded continuously. Loan C has an APR of 15.60%, compounded quarterly. Which of the following assertions is true if XYZ prefers loans with lower costs more than she prefers loans with higher costs?